*Foothill Federal Credit Union has a loan program, which features a range of interest rates for some consumer loans. A rate is based on a variety of factors, including the applicant's credit rating at the time the new loan is opened. After that the Standard Annual Percentage Rate (APR) may vary quarterly. The APR is a variable rate determined quarterly by adding a margin 5.5% - 14.75% (depending on our review of your application and credit history) to the Prime Rate (Index) which is published in the “Money Rates” column of the Wall Street Journal on the last business day of each calendar quarter. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. The corresponding Standard Daily periodic (DPR) range for the APR ranges above is.02397% DPR-.04904% DPR.